Terms and Conditions

Last updated: June 8, 2026

Please read these Terms and Conditions carefully before using Our Service.

These Terms and Conditions govern Your access to and use of Our Website, products, services, programs, communities, courses, memberships, digital resources, artificial intelligence tools, AI Chat Assistant, online store, events, and related offerings.

By accessing or using Our Service, You agree to be bound by these Terms and Conditions. If You do not agree with any part of these Terms and Conditions, You must not access or use Our Service.

Interpretation and Definitions

Company refers to 9975632 Canada Inc., 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9, referred to in these Terms as “the Company,” “We,” “Us,” or “Our.”

Website refers to stephenlibman.com, accessible from https://stephenlibman.com.

Service means the Website and all products, services, programs, memberships, communities, courses, digital content, AI tools, AI Chat Assistant, online store, resources, communications, and related offerings provided by or through the Company.

Programs means any paid or unpaid educational program, course, membership, mentorship, workshop, training, event, webinar, seminar, community, coaching program, or related offering provided by the Company.

AI Tools means any artificial intelligence tools, chatbots, AI chat assistants, automated prompts, summaries, calculators, analysis tools, content generators, or AI-assisted features made available by the Company as part of the Service.

AI Chat Assistant means any AI-powered chat assistant, support tool, question-and-answer tool, educational assistant, or similar feature provided by the Company.

Content means all text, videos, recordings, audio, graphics, images, workbooks, worksheets, templates, downloads, examples, prompts, tools, calculators, posts, comments, lessons, course materials, community materials, documents, AI-generated outputs, and other information provided through the Service.

Third-party Services means services, platforms, software, payment processors, community platforms, video platforms, AI providers, print-on-demand providers, email platforms, booking tools, analytics tools, or other services provided by third parties that may be used, displayed, linked, integrated, or made available through the Service.

You means the individual accessing or using the Service, or the company, organization, or legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Our Privacy Policy.

By accessing or using the Service, You agree to be bound by these Terms. If You do not agree to these Terms, You may not access or use the Service.

You represent that You are at least the age of majority in Your province, state, territory, or country of residence.

By accessing or using any AI Tool, AI Chat Assistant, automated feature, community resource, course resource, program resource, or member support tool provided by the Company, You agree that such tools are part of the Service and are governed by these Terms.

Privacy Policy

Your access to and use of the Service is also governed by Our Privacy Policy.

Our Privacy Policy describes Our policies and procedures regarding the collection, use, storage, and disclosure of Your personal information when You use the Website or Service. Please read Our Privacy Policy carefully before using the Service.

Educational and Informational Purposes Only

The Company provides education, training, tools, resources, examples, commentary, community discussion, coaching, and support for general educational and informational purposes only.

Nothing provided through the Service is intended to be financial, investment, legal, tax, accounting, lending, insurance, real estate brokerage, property management, mortgage, business, or other professional advice.

You are responsible for consulting appropriate qualified professionals before making decisions involving real estate, investing, financing, taxes, legal structures, asset protection, estate planning, insurance, business operations, or any other important matter.

The Company does not act as Your financial advisor, investment advisor, lawyer, accountant, tax advisor, mortgage broker, real estate broker, insurance advisor, property manager, or fiduciary.

No Guarantee of Results

The Company may provide examples, case studies, illustrations, projections, worksheets, deal reviews, strategy discussions, investment scenarios, real estate examples, financing discussions, calculations, return estimates, or educational models.

These are for educational purposes only.

The Company does not guarantee profits, investment returns, cash flow, financing approval, tax results, legal outcomes, property appreciation, business results, successful transactions, risk reduction, specific financial outcomes, or access to deals, lenders, partners, vendors, or professionals.

All investing, business, real estate, lending, tax, legal, and financial decisions involve risk. You are solely responsible for Your own decisions, actions, omissions, due diligence, professional advice, and results.

Past results, examples, testimonials, or case studies are not guarantees of future results.

Programs, Courses, Memberships, Communities, and Events

The Company may offer Programs, including online courses, live trainings, workshops, memberships, communities, coaching programs, mentorship programs, seminars, webinars, live events, digital libraries, templates, tools, replays, and other educational resources.

Program details, including content, schedule, access period, bonuses, platform access, community access, live sessions, recordings, support, pricing, and deliverables, may vary by offer.

The Company reserves the right to modify, improve, replace, reschedule, remove, or discontinue any part of a Program at any time, provided that We make reasonable efforts to deliver the core educational value of the purchased Program.

Unless expressly stated in writing, live sessions may not be recorded, recordings may not be available indefinitely, bonuses may be changed or substituted, community spaces may be archived or closed, access may expire after a stated access period, support does not include unlimited personal advice, and deal reviews, coaching, or feedback are educational only.

You are responsible for reviewing the specific sales page, checkout page, agreement, invoice, or written offer associated with the Program You purchase.

Community Participation and User Conduct

The Company may provide access to private or public communities, forums, groups, chats, comment sections, member areas, or online discussion spaces.

By participating in any community or interactive space, You agree to behave respectfully, professionally, and lawfully.

You agree not to harass, threaten, abuse, defame, bully, intimidate, spam, solicit, scrape, misuse member information, promote unrelated products or services without permission, provide professional advice unless properly licensed and authorized, share confidential information without permission, upload harmful code, interfere with the Service, impersonate another person, or misrepresent Your identity, qualifications, experience, or results.

The Company may remove posts, comments, users, content, or access at Our sole discretion if We believe these Terms have been violated or if conduct is harmful to the community, the Company, or other users.

Community access is a privilege, not a right.

User-Generated Content

You may be able to submit, upload, post, share, or transmit content through the Service, including comments, questions, deal information, documents, photos, examples, testimonials, messages, prompts, or other materials.

You retain ownership of content You submit, but You grant the Company a non-exclusive, worldwide, royalty-free license to use, reproduce, display, store, modify, summarize, respond to, analyze, and process that content for the purpose of providing the Service, supporting Your participation, improving the Service, operating Programs, and complying with legal obligations.

You represent that You own or have the right to share the content You submit, that Your content does not violate the rights of any third party, and that Your content does not violate any law.

Testimonials and Feedback

If You provide testimonials, reviews, comments, feedback, success stories, survey responses, or similar statements, You grant the Company permission to use them for educational, promotional, marketing, research, and business purposes.

The Company may edit testimonials for clarity, length, spelling, grammar, or formatting, provided the meaning is not materially changed.

Testimonials represent individual experiences and do not guarantee that You or anyone else will achieve the same or similar results.

Artificial Intelligence Tools and AI Chat Assistant

The Company may provide access to AI Tools, including an AI Chat Assistant, as part of the Website, Programs, memberships, communities, resources, or related offerings.

These tools may help users ask general questions, navigate educational material, review concepts, generate ideas, summarize information, create drafts, explore scenarios, or receive educational support.

AI-generated responses are provided for general educational and informational purposes only. They are not financial, investment, legal, tax, accounting, real estate, lending, insurance, professional, or personal advice.

You should not rely on AI-generated responses as a substitute for advice from qualified professionals who understand Your specific circumstances.

Your use of any AI Tool or AI Chat Assistant does not create a professional, advisory, fiduciary, client, agency, brokerage, legal, tax, accounting, financial planning, or investment advisory relationship between You and the Company.

AI-generated content may be inaccurate, incomplete, outdated, misleading, inappropriate, or unsuitable for Your specific situation. AI Tools may generate responses that appear confident even when the information is wrong or incomplete.

The Company does not guarantee the accuracy, reliability, completeness, usefulness, suitability, or timeliness of any AI-generated response.

You are solely responsible for reviewing, verifying, and deciding whether to use any information, suggestion, explanation, calculation, summary, example, prompt, or output generated by an AI Tool.

Any AI-generated examples, projections, calculations, scenarios, investment discussions, deal analysis, strategy suggestions, or educational explanations are hypothetical and do not guarantee any outcome, profit, return, tax result, financing approval, legal result, business result, or investment performance.

You are responsible for the information You enter into any AI Tool or AI Chat Assistant. You should not submit sensitive, confidential, private, privileged, personal, financial, legal, tax, medical, banking, login, password, identification, or third-party confidential information unless You are comfortable doing so and have the legal right to share that information.

Some AI Tools or AI-assisted features may be powered by third-party technology providers. Your use of these tools may be subject to the terms, privacy policies, data practices, limitations, and availability of those third-party providers.

The Company may review, monitor, store, or analyze AI Tool usage, questions, prompts, outputs, or related interactions for purposes including service delivery, support, quality control, troubleshooting, product improvement, training, safety, security, compliance, and user experience improvement, subject to the Company’s Privacy Policy and applicable law.

The Company may modify, suspend, limit, replace, or discontinue any AI Tool, AI Chat Assistant, or AI-assisted feature at any time without notice.

You remain fully responsible for Your decisions, actions, omissions, use of information, and reliance on any AI-generated content.

To the maximum extent permitted by applicable law, the Company disclaims all liability for any loss, damage, claim, cost, expense, decision, action, omission, or consequence arising from or related to Your use of, reliance on, or inability to use any AI Tool, AI Chat Assistant, or AI-generated content.

Payments, Billing, and Account Information

You agree to provide current, complete, and accurate purchase, billing, account, and contact information for all purchases made through the Service.

The Company reserves the right to refuse, cancel, or limit any order, registration, membership, or purchase at Our sole discretion.

Prices for products, services, Programs, memberships, and merchandise are subject to change without notice.

Unless otherwise stated, all prices are exclusive of applicable taxes, duties, currency conversion charges, transaction fees, or third-party payment fees.

You are responsible for all applicable taxes and charges associated with Your purchase.

Payment Plans, Subscriptions, and Recurring Payments

The Company may offer payment plans, subscriptions, installment payments, deposits, or recurring billing for certain Programs or services.

By selecting a payment plan or recurring payment option, You authorize the Company or its payment processor to charge Your selected payment method according to the payment schedule presented at the time of purchase.

Payment plans are not subscriptions unless expressly stated. A payment plan is a commitment to pay the full purchase price over time.

Failure to complete payment may result in suspension or termination of access to the Service, Program, membership, community, or related resources.

Deposits, partial payments, and installment payments are subject to the specific terms stated at the time of purchase.

Return and Refund Policy

Unless expressly stated in writing at the time of purchase, all sales of services, Programs, courses, memberships, coaching, consulting, digital resources, live events, workshops, and related offerings are final and non-refundable once purchased, accessed, delivered, scheduled, or initiated.

The Company does not offer refunds for services once they have been provided or initiated.

Unused services, missed sessions, failure to attend, failure to participate, failure to complete a Program, change of mind, lack of time, lack of implementation, or dissatisfaction with personal results do not entitle You to a refund.

We are committed to delivering high-quality services. If You are dissatisfied with any aspect of a service or Program, We encourage You to contact Us promptly. We may, at Our sole discretion, offer support, clarification, modification, replacement access, credit, or additional service to address Your concern.

Such remedies are not guaranteed and will be determined case by case.

Digital products, downloadable resources, templates, recordings, tools, AI resources, course materials, and other digital content are non-refundable once purchased, accessed, downloaded, delivered, or made available, unless otherwise required by applicable law.

In rare cases, We may consider a refund, credit, or other remedy under exceptional circumstances, including unauthorized charges, duplicate charges, failure by the Company to deliver the purchased service, or other circumstances determined by the Company at Our sole discretion.

If You believe there has been an unauthorized or incorrect charge, You must contact Us promptly so We can investigate.

Merchandise

The Company may use third-party providers for custom, print-on-demand designed merchandise.

Because print-on-demand products are unique and produced only after they are ordered, returns and exchanges are not supported if You order the wrong size, wrong colour, wrong item, or simply change Your mind.

In the case of a damaged product or manufacturing error, the third-party vendor may offer a free replacement or refund if You contact the vendor within the required time period and provide appropriate proof, such as clear photos showing the issue.

Neither the Company nor the vendor is responsible for replacements or refunds where the customer ordered the wrong size, colour, design, quantity, or shipping information.

Intellectual Property

All Content provided by the Company is owned by or licensed to the Company and is protected by copyright, trademark, and other intellectual property laws.

You may access and use the Content for Your personal, non-commercial educational use only, unless the Company gives You written permission otherwise.

You may not copy, reproduce, republish, upload, post, transmit, sell, resell, distribute, license, sublicense, exploit, modify, share, record, download, scrape, or extract the Content without permission.

You may not share login credentials or access with others.

You may not create competing products, services, courses, trainings, communities, AI tools, or resources using Company Content.

The Company reserves all rights not expressly granted in these Terms.

Third-Party Services, Links, and Platforms

The Service may include links to, integrations with, or access through Third-party Services.

The Company does not control and is not responsible for Third-party Services, including their content, availability, security, privacy practices, terms, fees, policies, errors, outages, or actions.

Your use of Third-party Services is at Your own risk and may be governed by the third party’s own terms and policies.

Accuracy, Completeness, and Timeliness of Information

The Company makes reasonable efforts to provide useful and accurate information, but We do not guarantee that all information provided through the Service is accurate, complete, current, or applicable to Your circumstances.

Information may become outdated, especially in areas such as investing, real estate, tax, law, lending, insurance, software, technology, AI, markets, regulations, interest rates, currency exchange, pricing, and platform functionality.

You are responsible for independently verifying all information before relying on it.

Modifications to the Service and Prices

Prices for products, services, Programs, memberships, and merchandise are subject to change without notice.

The Company reserves the right at any time to modify, suspend, limit, or discontinue the Service, or any part of it, without notice.

The Company shall not be liable to You or to any third party for any modification, price change, suspension, limitation, or discontinuance of the Service.

Termination

The Company may terminate or suspend Your access to the Service immediately, without prior notice or liability, for any reason, including if You breach these Terms.

Upon termination, Your right to use the Service will cease immediately.

Termination does not relieve You of payment obligations incurred before termination.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE,” with all faults and defects and without warranty of any kind.

To the maximum extent permitted under applicable law, the Company disclaims all warranties, whether express, implied, statutory, or otherwise.

This includes implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, availability, security, and warranties that may arise out of course of dealing, course of performance, usage, or trade practice.

The Company makes no warranty or representation that the Service will meet Your requirements, achieve any intended results, be compatible with other software or systems, operate without interruption, be error-free, or that any errors or defects will be corrected.

Any AI Tools, AI Chat Assistants, automated responses, summaries, calculations, prompts, examples, or other AI-generated content are provided “AS IS” and “AS AVAILABLE” for general educational and informational purposes only.

The Company makes no representation or warranty that any AI-generated content will be accurate, complete, current, reliable, suitable, or appropriate for Your specific circumstances.

Limitation of Liability

To the maximum extent permitted by applicable law, the Company and its Affiliates, directors, officers, employees, contractors, agents, service providers, partners, licensors, and suppliers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes damages for lost profits, lost revenue, lost savings, lost opportunity, loss of data, loss of goodwill, business interruption, personal or financial loss, investment loss, real estate loss, financing loss, tax consequence, legal consequence, or other damages arising out of or related to Your use of, inability to use, or reliance on the Service.

To the maximum extent permitted by applicable law, the Company’s total liability for any claim arising out of or related to the Service shall not exceed the amount You paid to the Company for the specific product, service, or Program giving rise to the claim during the six months preceding the claim.

Indemnification

You agree to defend, indemnify, and hold harmless the Company and its Affiliates, directors, officers, employees, contractors, agents, service providers, partners, licensors, and suppliers from and against any claims, damages, obligations, losses, liabilities, costs, debts, and expenses, including legal fees, arising from or related to Your use of the Service, Your violation of these Terms, Your violation of any law or regulation, Your violation of any third-party rights, Your User-Generated Content, Your reliance on Content or AI-generated output, or Your business, investment, real estate, legal, tax, financial, or personal decisions.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

You may contact Us at: terms@stephenlibman.com

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Province of Quebec and the applicable laws of Canada, without regard to conflict of law principles.

Subject to any mandatory consumer protection rights that may apply, You agree that any dispute arising from or related to these Terms or the Service shall be brought in the courts located in Quebec, Canada.

Canadian, European Union, United Kingdom, and California Users

If You are a Canadian, European Union, United Kingdom, or California consumer, You may benefit from mandatory provisions of the law of the country, province, state, or territory in which You reside.

Nothing in these Terms is intended to limit rights that cannot be limited under applicable law.

Please review Our Privacy Policy for more information.

Severability and Waiver

If any provision of these Terms is held to be unenforceable or invalid, that provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under applicable law.

The remaining provisions will continue in full force and effect.

The failure of either party to exercise a right or require performance of an obligation under these Terms shall not affect that party’s ability to exercise such right or require such performance at any time thereafter.

A waiver of one breach shall not constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may be translated if We make them available in another language.

You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

The Company reserves the right, at Our sole discretion, to modify or replace these Terms at any time.

If a revision is material, We will make reasonable efforts to provide notice before the new terms take effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use the Service after revisions become effective, You agree to be bound by the revised Terms.

If You do not agree to the new Terms, in whole or in part, You must stop using the Website and the Service.

Contact Us

If You have any questions about these Terms and Conditions, You can contact Us:

By email: terms@stephenlibman.com

Company: 9975632 Canada Inc.
Address: 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9
Website: https://stephenlibman.com